EP: 2444•21 May 2026

Can You Retire Off Property Without Selling⎟Ep. 2444

About this episode

Most investors assume retirement means selling properties to free up cash. But what if you didn’t have to?

In this episode, Ed and Andrew explore a lesser-known strategy, walk through when it might make sense, and discuss the risks that could catch people out.

You’ll learn:

How some retirees could potentially access equity without selling their rentals
Why timing matters... especially before you stop working
The pros, cons and alternatives

There may be ways to unlock equity without selling… but only if the numbers, timing, and risk tolerance all line up properly.

Want to find out how much you'll need to save each week until retirement? Use our retirement calculator to find out.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

Related podcasts in this series

EP: 2443
20 May 2026
The Question Every Investor Gets Wrong⎟Ep. 2443
Most Kiwis automatically choose a principal-and-interest mortgage. But for investment properties… that’s not always the strategy investors use.
In this episode, Ed and Andrew break down the real difference between interest-only vs principal-and-interest lending.
You’ll learn:
- Why many investors prioritise cashflow over paying down rental debt faster
- The hidden risk when an interest-only term ends
- The strategies investors use to extend interest-only lending over time
Main idea? Interest-only lending isn’t about avoiding debt forever, it’s about where you choose to direct your money. Used well, it can improve flexibility and cashflow. Used poorly, it can create serious pressure later on.
Considering an interest-only mortgage for your investment property? Find out how it impacts your payments with our interest-only mortgage calculator.
The Question Every Investor Gets Wrong⎟Ep. 2443
EP: 2442
19 May 2026
Why Your Neighbours Could Kill Your Airbnb⎟Ep. 2442
Thinking about turning your property into an Airbnb? You might need more than just a listing and a lockbox.
In this episode, Ed and Andrew break down when you actually need council consent to run an Airbnb, and unpack the risks most investors don’t think about until it’s too late.
You’ll learn:
- When Airbnb activity crosses the line from “casual” to requiring consent
- Why neighbours and body corporates can become the biggest roadblocks
- How to improve your chances of getting approval before you even apply
Airbnb investing isn’t just about the numbers – it’s also about compliance, neighbours, and local council rules. A seemingly great investment can quickly turn into a headache if you don’t understand the process.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
Why Your Neighbours Could Kill Your Airbnb⎟Ep. 2442
EP: 2441
18 May 2026
This Church Deal Looked Amazing… Until the Maths Hit⎟Ep. 2441
An old church. A near-$1 million budget. And a possible Airbnb conversion in Timaru.So… would Andrew actually invest in it?
In this episode, Ed and Andrew walk through a real deal that Andrew looked at. They break down the renovation costs, Airbnb assumptions, and the harsh reality.
You’ll learn:
- How to analyse an unusual renovation project step-by-step
- Why heritage-style properties can become financial traps
- The biggest risk with complex renovations
Main idea? A property can look incredible and still be a bad investment. The best investors don’t just fall in love with the story, they stay disciplined enough to walk away when the maths don’t work.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
This Church Deal Looked Amazing… Until the Maths Hit⎟Ep. 2441
EP: 2440
17 May 2026
Cut These 7 Expenses Now to Get Rich Faster⎟Ep. 2440
You don’t have an income problem… You might have a spending problem.
In this episode, Ed and Andrew break down 7 things Kiwis keep buying that quietly destroy their ability to build wealth.
You’ll learn:
- The biggest “wealth killers”
- How small, everyday spending can quietly eat up 15% of your income
- The 1 rule that keeps you sane … while you save more
What this really comes down to: building wealth isn’t just about earning more, it’s about what you keep.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
Cut These 7 Expenses Now to Get Rich Faster⎟Ep. 2440

Can You Retire Off Property Without Selling⎟Ep. 2444

About this episode

The Question Every Investor Gets Wrong⎟Ep. 2443

Why Your Neighbours Could Kill Your Airbnb⎟Ep. 2442

This Church Deal Looked Amazing… Until the Maths Hit⎟Ep. 2441

Cut These 7 Expenses Now to Get Rich Faster⎟Ep. 2440